Our investment philosophy

Acting as strategic partners to our clients, we implement appropriate financial plans to address a lifetime of changing needs

Our investment process uses the full resources of our experienced team ensuring that our decision making is shared among experts who collectively hold over 100 years of relevant experience. Our Investment Committee meet twice a year to review and analyse our full range of risk adjusted portfolios.

Our unique approach enables us to:

  • Select investment managers
  • Monitor the portfolio against our clients investment objectives
  • Review the investment managers to ensure they remain fit for purpose
  • Regularly reappraise objectives

We are firm advocates that asset allocation is critical to the achievement of long term, consistent and above average performance. Fund selection is an important part of our process and we will not hesitate to sell a particular investment for reasons of under-performance.

We also realise that “one size does not fit all”; for clients who want to have more input into investment selection or asset allocation, we can build flexibility into our model to ensure they are comfortable with their individual portfolio of assets. A key part of our advice process is the close personal contact we develop with each of our clients and the high level of service provided on an on-going basis.

Committed to providing the right investment solutions for our clients, we understand that in some circumstances clients require the services of a discretionary fund manager (DFM). A DFM has a more active approach to asset management with the ability to react quickly to changing market conditions, buying and selling investments immediately without any paperwork. DFMs can also bring to bear more specialist investment research and knowledge and often access a greater diversity of investment options.

Working in partnership with advisers, to provide discretionary investment management solutions for our clients, our relationships are built on trust and mutual understanding between the two firms.

The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

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WHO LIKES US

I can without any hesitation say we have only ever been listened to carefully, our needs assessed, been given advice and then appropriate action taken. We…

- B Rogers

Full of praise for the service received. I have been advised for many years by Spencer, his advice in helping me achieve my goals has been…

- Ms K. C

I can highly recommend Spencer and Jacobs Financial Limited. Spencer tided up my financial affairs and also gave good advice on my pension, making things more…

- Ms J B

From the outset Spencer put in the time and effort to get to know me as a unique human being and has always tailored his advice…

- Mr G Perkins

The advice and service given to me by Jacobs Financial Limited has always been professional and tailored to meet my specific personal financial requirements. It has…

- RE Watson

With regards to Shaun who has been our financial advisor for many years we feel extremely confident that has has looked out for our needs and…

- Ms K Battye

The ongoing support and guidance provided by Shaun means I have a well structured, focused financial plan tailored to my personal requirements and life goals. I…

- Ms J Hughes

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WHAT'S THE NEWS?

Grab a biscuit and a brew and read our latest news.

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Protect your family should the unforeseen happen

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5 December 2018

Driving towards the next phase of your life

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At some point you’ll say ‘goodbye’ to your colleagues, get into your car and drive towards the next phase of your life – retirement. But when…


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28 November 2018

Protecting you and your family’s finances

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There are many things to consider when looking to protect you and your family. It may not be the most exciting of subjects, but it answers…


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13 November 2018

ISA rules and inheritance tax

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There’s a fundamental lack of awareness and understanding around Inheritance Tax, especially when it comes to how Individual Savings Accounts (ISAs) are treated after death. This…


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13 November 2018

Cash may not be king

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CASH MAY NOT BE KING For most people over the age of 55, it is now possible to cash in or unlock all of your pension….


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